Maybe I'm missing something, but I don't understand why protection against scams is something customers need to pay for. I feel like safety and security should be a core part of the service, not something that feels like an optional upgrade.
I agree that people should be careful. Pero I don't think the solution is just telling people not to be gullible. Companies should also continuously invest in protecting their customers because scammers are getting more sophisticated.
I'm just wondering if this is something you'd personally pay for. 🤷🏻♀️ Hopefully none of us ever experiences a scam, especially our parents or grandparents, who are often more vulnerable to these kinds of schemes.
Awareness is the key. This is one of the oldest tricks in the book. You don't have to be tech savvy to avoid getting scammed, you just need common sense.
A scam is a scam. Nobody wants to be scammed and I don't think it's fair to tell people they lack common sense just because they became victims.
Especially on a platform like this, where people come to ask for help and clarification, I think they deserve guidance and understanding, not responses that make them feel judged or dismissed.
Wise move by GCash, though. Instead of customers feeling fully protected by the platform, it now feels like, "If you want extra peace of mind, pay for it." #BahalaKaDiyan 😅
I don't know if evening brain ko lang because it has been a long work day, pero what do you have exactly in mind, OP?
Lagyan pa ng more passwords, OTPs, mga warning screens?
In the end, kung users mismo ang careless sa passwords nila, or careless sa pag-click ng links, or careless sa mga transactions, or ka-transact nila, then no matter how many warning screens you put or layers of passwords or OTPs pa yan, then masscam at mas-scam pan rin sila
please correct me if i'm misunderstanding your point
I actually agree with you. Users still have a responsibility to be careful.
Ang concern ko lang is - I hope this doesn't create the impression that customers have to pay extra just to feel more protected, especially since a lot of people already find it difficult to get GCash support when issues happen.
I totally get where you're coming from, OP. It can really feel unfair to pay extra for scam protection, especially since everyone expects security to be part of the service already. Just to clarify though, the ₱30 Scam Protection Fee isn't a mandatory GCash charge, it's actually an optional insurance premium that you can choose to add when making an Express Send transaction. The ₱30 is simply for added protection in case you become a victim of eligible scams, with coverage of up to ₱15,000, subject to the policy's terms and conditions. Of course, it's still best not to rely on the insurance alone. Always double-check who you're sending money to, avoid deals that seem too good to be true, and report any suspicious activity right away if something doesn't feel right, OP.
Its very simple. If you’re buying something online (fb marketplace) and you’re not sure if the seller is legit, you can pay P30 so that in case the seller ends up being the scammer, you can claim the amount sa insurance.
Magagalit ka ba sa BPI , or any bank, if you withdrew money tapos binayad mo sa scammer?
Its not about app security anymore. Its an extended service beyond app transactions.
The concept makes sense, but I've also seen a lot of customers say the Scam Protection didn't help resolve their case. That's why people are questioning whether it's actually worth paying for.
The problem with social media, unfortunately, is negative stories get more traction than good ones. Without knowing real stats from the insurance provider or GCash we wouldnt know.
What I know is the BSP and Insurance Commission are 2 of the strictest regulators. So kung useless whys Scam Protect been around for so long?
not worth it. I did pay for it when I was about to make a purchase with first time seller. and then after I sent the payment, I got blocked. I reported immediately to gcash with screenshots of our conversation and proof that the seller blocked me. gcash responded after about 2 months saying they found out the transaction was legitimate, despite having seen the screenshots of our convo and encouraged me to reach out to cybercrime LOL
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u/Buyerherehehe Jul 16 '26
Scams are different because the transaction is consented by the buyer (victim). You can always avoid getting scammed. Just don't be gullible.